Bank of America is a multinational financial services company based in Charlotte, North Carolina. It provides a full range of banking, investing, asset management, and risk management products and services to individuals, small and middle-market businesses, corporations, governments, and institutions worldwide. The company operates through four primary segments: Consumer Banking, Global Wealth and Investment Management, Global Banking, and Global Markets, and offers deposits and consumer loans, credit and debit cards, mortgages, wealth management and investment solutions, corporate and investment banking, underwriting and advisory services, and market services such as financing, risk management, and custody. It supports treasury, foreign exchange, and related services for clients and maintains a large network of retail centers alongside digital platforms. Bank of America was founded in 1784 and remains headquartered in Charlotte, North Carolina.